The reporter learned from the pedestrian branch of Taizhou City Center yesterday that in order to prevent the credit card from being cashed out, the POS machine installed in the name of the individual will stop accepting the credit card swipe business from August 1st. More than 2,100 shops in the city have applied for POS machines in their own names. At present, nearly 100 companies have stopped credit card swipe functions.
Stop credit card, you can swipe your credit card
Yesterday afternoon, the reporter came to a small shop on Wuyi Road. The reporter selected 1 item to prepare for payment. The cashier saw that the reporter took out the bank card and asked if it was a credit card. After receiving a positive response, the staff said that the credit card was “not available for use†and only received cash or a debit card. The reporter got the same answer in a shop not far from each other. These two stores have been consumed by journalists. In the past, there has not been a problem of not being able to swipe credit cards.
During the interview, some merchants believed that stopping the credit card did not have much impact on the turnover. Because customers don't have only one credit card, they usually have debit cards and cash.
A person from the pedestrian branch of Taizhou City Center said that not all POS machines of individual industrial and commercial households refused to swipe credit cards, and individual industrial and commercial households could still accept credit cards if they applied for a public account.
The source said that since August, the bank has asked banks to self-check and correct themselves. Individual industrial and commercial households choose to open a public account and can retain the credit card acceptance function. If the merchant is not willing to open a public account, the credit card swipe business will be stopped, and the work will be completed by the end of October at the latest.
Turned to the "threshold" of the public account
The reporter learned that banks have a series of specific requirements for self-employed households that require conversion to a public account. Taking a state-owned bank as an example, if an individual industrial and commercial household applies for a public account, the following conditions must be met: the registered capital and annual turnover must reach more than 500,000; the minimum store area is not less than 100 square meters; business license and tax Registration certificates and other relevant documents are complete.
A person in charge of UnionPay Taizhou Branch said that unlike the opening of a personal account, the procedure for opening a public settlement account is relatively cumbersome: the original business license, legal entity code certificate, tax registration certificate, legal person ID card, etc. need to be provided; Transferring a public account to a private account is subject to some restrictions. It is necessary to explain the specific use to the bank in order to transfer funds from the public account to the private account; in addition, the account management fee for the public account is higher than the private account.
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